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Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $1,068,760 | $99,345+975.8% | $84,753+1161.0% | $273,972+290.1% |
| Participation rate | 100.0% | 80.7%+19.3pp | 76.6%+23.4pp | 83.0%+17.0pp |
| Annual return | 669.21% | 22.93%+646.3pp | 22.78%+646.4pp | 41.46%+627.8pp |
| Employer contribution / active EE | $476 | $4,214-88.7% | $3,574-86.7% | $4,869-90.2% |
| Participant deferral / active EE | $11,800 | $4,270+176.4% | $3,712+217.9% | $5,287+123.2% |
| Admin fee / account holder | $1,943 | $6,645-70.8% | $5,333-63.6% | $10,133-80.8% |